ZIP 12746 Foreclosure, Tax-Lien & Distress Report

ZIP 12746's composite property-distress score is 29/100 - DLRadar classes that as low for Orange County, New York. Latent structural risk is 64/100 while live distress already moving reads 6/100. Environmental exposure also runs high (climate & FEMA risk (91/100), flood (NFIP) exposure (76/100), FEMA disaster exposure (71/100)). The most distinctive pressure shows up in structural risk (64/100), institutional ownership (47/100), construction/permit lag (34/100). construction/permit lag (34/100) and mortgage stress (19/100) stay muted.

Prices here sit in a peak phase: values rose 2.9% over the trailing year, at 38/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 598 with a median age of 52. The demographic-stress sub-score lands at 32/100. The tenure split is 87% owner-occupied to 13% rented. The ZIP holds roughly 390 housing units. The typical home is worth about $274,100 (2.8× income, relatively affordable). Educational attainment sits at 19% bachelor's-or-above. Rent burden reaches 59% of tenant households. At $77,566, median income runs near typical U.S. levels. Vacancy runs 14.0%, above the national norm and a classic distress-and-opportunity signal. 16.4% of residents fall below the poverty threshold.

On the whole, 12746 leans distressed, with opportunity clustered in specific stressed parcels. 12746 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Because one deterministic model scores every ZIP, 12746's 29/100 can be lined up against any neighbor in Orange County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 12746, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 12746's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 12746 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.